Home Protect Home Insurance – a Model for Insuring the Uninsurable

Some properties are considered “high risk” by insurers and often denied coverage by mainstream companies. In the U.K., roughly 15% of homes fall into this category due to issues like flooding, subsidence, home‑based businesses, or criminal history. That’s an estimated 16.8 million properties. One company, Home Protect, stepped in to serve this overlooked market by offering coverage to homeowners who couldn’t get standard insurance.

While most U.K. home insurance policies are designed for the 85% standard‑risk market, Home Protect Home Insurance focuses on the remaining 15% who were shut out. They provide essential protection for non‑standard policyholders regardless of their circumstances.

Founded in 2011, Home Protect introduced major innovations by making home insurance accessible and affordable for people mainstream insurers avoided. Their plans offer strong coverage at competitive prices, and most applicants receive immediate online approval once the initial payment is made.

Unfortunately, there’s no U.S. equivalent. High‑risk homeowners here often face denials or extremely high premiums. Some states offer FAIR Plans (Fair Access to Insurance Requirements), which provide limited coverage at higher costs. These plans are often the only option for homeowners labeled high risk.

Citizens Is the Home Protect Alternative for Homeowners Insurance in FL

States like Florida and Louisiana have attempted similar solutions with state‑sponsored insurers. Florida Citizens Property Insurance Corporation and Louisiana Citizens offer hybrid plans that include windstorm coverage along with standard protections like fire and vandalism. Still, these plans don’t match the convenience, flexibility, or broad coverage Home Protect offers.

See if you can avoid going the Citizens route for your homeowners insurance in FL. I’ll send you a quote from the best company in your area.